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Tobacco and Life Insurance rates

Finding and buying affordable smokers life insurance plans is not as difficult as it once was if you know how to look for them and who to speak to. Yes it’s true if you smoke your annual premiums could end up being almost double of what you non smoker counterparts end up paying.

Rate classes that could be possible if you quit smoking and how long to stop:

For Preferred Best you would need to quit smoking for at least five years: Preferred rate class possible if you stop using tobacco for three plus years: Standard or Standard plus non tobacco rate’s possible if you quit for two or more years: One year no tobacco maybe a Standard Rate Class:

As you can see it’s not difficult to get smoker life insurance quotes or rates. You just need to be prepared to pay a higher premium because of your tobacco habit.